The partnership will introduce new microcredit solutions aimed at serving unbanked and underserved populations across the continent.

With over 100 million customers in sixteen countries across Africa and the Middle East, Orange Money Group facilitated more than €160 billion in transactions in 2024. 

JUMO has disbursed over $8 billion to more than 31 million African customers, matching expertise and a desire to scale with Orange Money Group.

This partnership will enable Orange Money Group to advance its financial inclusion strategy by introducing new microcredit services to its customer value proposition. 

The collaboration with JUMO leverages their data analytics and artificial intelligence capabilities, refined over 10 years to optimise credit allocation, reduce the cost of risk for lending to < 4% and grow sustainable portfolios.

This strategic alliance will also enable the rollout of various credit products across multiple markets from a multitude of funders, creating a new microfinance marketplace for the unbanked in emerging markets, with an initial focus on Francophone Africa. 

JUMO’s leading expertise in asset allocation and credit risk management makes it a key partner for Orange Money Group in Africa. Orange Money Group customers will be eligible to securely request credit through their mobile devices, without needing a bank account or collateral.

JUMO has developed a range of short-term and installment loan products for consumers, merchants and distributors with limited access to these services. They use trained AI algorithms to assess credit risk and facilitate the immediate flow of capital through their partnerships with pan-African banks and development finance institutions.

JUMO’s AI-driven technology for banks and payments ecosystems will provide Orange Money Group the opportunity to introduce real-time app-based and USSD lending to their African customers. The offering is multi-country, multi-product, and multi-funding, with plans to launch in Burkina Faso imminent, to be followed by Mali and Botswana.

This partnership delivers a streamlined user experience that combines financial inclusion with cutting-edge technology. The process is as follows:

• Users access the service via their Orange Money Group wallet
• They request an amount of credit
• JUMO’s AI technology evaluates eligibility based on transactional data
• If validated, the amount is immediately credited to the user’s wallet.
• Repayment is made automatically according to agreed terms.

Aminata Kane, CEO of Orange Money Group said: “After developing transfer and payment services used thousands of times every second, we now aim to support our customers in their personal projects, as well as help them manage everyday emergencies. In recent years, Orange Money has expanded its portfolio with highly accessible small loan offers.”

“By partnering with JUMO, we aim to accelerate this momentum, roll out these services across a wide range of countries, and combine our expertise with their technology to deliver support that is even faster, more transparent, and better tailored to the needs of all our customers”.

Andrew Watkins-Ball, JUMO CEO and founder: “We are proud to have been chosen to partner with Orange and we are excited to connect Orange customers with products from the market-leading banks that run on our platform. 

“This collaboration, built on top of Orange Money Group’s mobile payments and money transfer platforms, will provide customers with great financial choices and allows our bank partners to grow in new markets”.

• Orange Money Burkina Faso upgrades to Next-Generation mobiquity Pay leading a revenue growth driven by Comviva
• The upgraded platform is driving the launch of innovative products and services, enabling an agile response to business needs, and accelerate time-to-market

Orange, a key player in Burkina Faso’s mobile money landscape, today announced the successful upgrade of its mobile money platform to Comviva’s next-generation mobiquity Pay.

This strategic enhancement aims to foster innovation and ensure seamless service delivery for Orange Money users in Burkina Faso.

The advanced platform will empower Orange to rapidly scale its payment services while ensuring smooth integration within the broader ecosystem.

With an open architecture and API-first approach, the platform enhances flexibility and interoperability.

Additionally, its advanced security features—including robust authentication and authorization modules, as well as session management capabilities—strengthen fraud prevention measures, ensuring a secure environment for Orange Money users.

Christophe Baziemo, chief executive officer at Orange Money Burkina Faso, commented on the partnership with Comviva, stating,

“Orange Money is one of our key growth drivers, contributing significantly to economic and social development in Burkina Faso. We are particularly impressed by Mobiquity Pay’s microservices architecture, open design, and API-first philosophy, which will enable us to significantly expand the Orange Money ecosystem in the region and provide disruptive services to our customers.”

Rajesh Chandiramani, chief executive officer at Comviva added,

“For over a decade, Comviva has been a trusted partner to Orange, managing the design and technical operations of their platform. Recognizing the evolving landscape of mobile money, Orange’s decision to upgrade to mobiquity Pay reflects its commitment to staying ahead. Comviva’s successful migration leading revenue growth approach, leveraging our extensive experience in large-scale and complex migrations, has successfully completed over 30 transitions in the past decade. This upgrade, the first of its kind at this scale in the region, paves the way for transformative advancements in digital payments. We are thrilled to continue our partnership with Orange on their digitization journey. The extensibility, configurability, and low-code features of mobiquity Pay will enable them to launch new services at an accelerated pace.”

The new platform represents a state-of-the-art, cloud-native solution offering a comprehensive suite for digital money, wallets, and payments.

Its robust and scalable architecture ensures a secure and user-friendly experience, while enhanced modularity facilitates faster time-to-market for new services.

The true-fixed cost model guarantees seamless business continuity without unforeseen expenses, supported by a culturally aligned, bilingual talent pool with deep domain expertise.

This strategy is further strengthened by active leadership involvement and a technologically advanced product with best-in-class technical and functional architecture, ensuring successful deployment and exceptional performance.

The Orange Money Card-To-Wallet service in Botswana enables customers to transfer money online from any bank account to an Orange Money wallet. 

The service is available to all Orange Botswana customers with bank accounts, allowing them to instantly send money to any Orange Money wallet regardless of who they bank with. 

The sender does not need to have an Orange Money account; they are only required to have a registered Orange sim card, while the recipient needs an Orange Money wallet.

This partnership enables customers to move funds from their bank accounts through their cards straight into their Orange Money wallets. While most banks in Botswana have Mobile apps, a few still do not provide this option for their customers. 

This solution will now allow bank customers to move money from their bank accounts to their Orange Money wallets through the Orange Botswana website, a process that is powered by Tingg. This applies to both the banks that have apps and those that do not.

The partnership further solves for the long queues that customers have to make to access the agents. This solution, therefore, gives bank customers more options and as a result, customers experience ease and accessibility in moving money seamlessly. 

Customers can also buy airtime and access other MNO services using their Visa or Mastercard debit and credit cards through Tingg. By leveraging its vast networks, Orange Money will enable customers with bank cards from all 8 banks in Botswana to move money from their cards to any Orange Money wallet at the touch of a button.

“This service affirms our commitment towards contributing positively to the growth of the informal and financial services sectors. The introduction of Card-To-Wallet aligns with our financial inclusion strategy that is centred around providing relevant and convenient solutions that address our customers’ everyday needs, as well as addressing our priorities around placing our customers first,” said Orange Money CEO, Seabelo Pilane.

Cellulant’s payments platform, Tingg, which integrates 211 banks across Africa, is a one-stop payments aggregator for multinational corporations, mid-caps and small and medium enterprises (SMEs). 

Tingg enables merchants to receive, view and reconcile all their payments via a single platform or through their system by integrating Tingg’s Application Programming Interfaces (APIs), cutting out the need to sign up for multiple payments providers as well as, in the case of mobile money, mobile network operators (MNOs) and banks.

Tingg’s uptake across Africa is in high gear, with products like in-store payments which leverage mobile money and mobile banking as payment methods through USSD and QR Codes. This streamlines business administration processes for merchants while expanding the range of payment options they can offer to customers, ensuring maximum choice and flexibility both offline and online.

“Africa accounted for 70% of worldwide mobile money transaction value in 2021. Instant digital payment solutions have significantly increased across the continent in recent years. Tingg by Cellulant is at the frontline in ensuring that digital financial solutions are available across the continent. Cellulant has been in Botswana for over 11 years now as a technical solutions partner providing digital banking & value-added services to the banks in the country,” says Bathusi Beleme, Cellulant Botswana Country Manager.

We are pleased to partner with Orange Money Botswana to power payments for their Card-to-Wallet service. This is in line with our strategy to extend our services to merchants in Botswana with a view of helping them digitise their payments.”

This partnership has allowed Orange to increase their digital cash-in reach to 100% as they were previously only open to Absa and Standard Chartered Bank through the Bank to Wallet product offering. In addition, customers can also purchase airtime, data and voice bundles using their Visa cards.